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Harbour Village Beach club in Bonaire, the diving is very good, whether the resort is luxury enough for someone from the US, I cannot comment. Diving is the main thing in Bonaire, not beaches since they don't have (many) sandy beaches.

Carambola Beach Resort on St. Croix -- swim out to a wall dive! The other luxury resort on Croix is the Buccaneer - it is closer to mid-island and a good location for exploration and snorkeling (although the best diving and some of the very best snorkeling is on the North Shore close to Carambola).

If not Bonaire, then perhaps St. Lucia. Anse Chastanet is a luxury resort that specializes in diving.

But Cayman might be an even better destination. Great diving and some resorts have good shore snorkeling, though they aren't generally on the beach. But great beaches are always close by. Lots of excellent dive companies on Grand Cayman as well as great resorts, but there is a resort on Little Cayman that offers everything (specialty in diving and excellent food on a nice beach). It's called Pirates Point.

...but I love love love the suggestion about Anse Chastanet -- or maybe Jade Mountain, their uber-excellent sister resort. Waking up looking at the Pitons each morning before getting ready for a spectacular day of diving would be my idea of perfect.